Southfield, MI bankruptcy attorney John Steinberger filed a Chapter 7 for a pre-school teacher. Her income was approximately $28,000 annually. She resides in Southfield, MI. She has approximately $38,000 in debt of which approximately $17,000 is dischargeable. She has a student loan for $21,000 which is not dischargeable. She has a leased car which she will continue paying as well as an apartment lease. With the discharge of her consumer debt she will be in a better position to repay her student loans. Her credit score is expected to improve approximately a 100 points within a year of filing.